How to Bank Without Fees

Shouldn't your bank encourage you to save, instead of costing you money every month?

A dollar here, $2.50 there. Some bank fees may not sound like much, but in the long term, they can seriously add up. Banks are in business to make money, and they do that by keeping some of yours. Some fees, like overdraft and return-check fees, are easy to spot and easy to avoid. Then there are others, like maintenance fees and debit card "swipe" fees. The American Bankers' Association estimates that the average "free" checking account costs customers about $300 a year in fees to maintain. Here are some tips on avoiding some of these fees, and for getting the most bang for your proverbial buck at the bank: Direct deposit - Some banks waive monthly fees for checking accounts when you sign up to have your employer automatically deposit your…

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